In today’s competitive market, finding a credit card that aligns with your lifestyle and financial goals can be challenging. The RBC Avion Visa Infinite stands out as a premium travel credit card that promises a myriad of benefits for avid travelers and savvy spenders alike. With an array of features and rewards, it aims to cater to the needs of those who seek convenience and value in their financial tools.

This guide will delve into the key aspects of the RBC Avion Visa Infinite, exploring its benefits, potential drawbacks, and the process of applying for the card. Whether you’re considering a new travel companion in the form of a credit card or simply looking to maximize your rewards, this comprehensive overview will provide you with the necessary insights to make an informed decision.

Key information about the credit card

How does the annual fee work?

The RBC Avion Visa Infinite comes with an annual fee of $120, which is a standard charge for premium credit cards offering extensive travel rewards and benefits. This fee is billed once per year and can be paid in full or in monthly installments, depending on your preference and financial planning.

How is the credit limit determined?

The credit limit for the RBC Avion Visa Infinite is determined based on several factors, including the applicant’s credit score, income, and overall financial health. Thus, with the RBC Avion Visa Infinite, the credit limit is pre-determined by the bank and can be adjusted upon request, subject to the bank’s evaluation of your updated financial information.

Advantages of the credit card

• Generous point accumulation: Earn 1 Avion point for every dollar spent, with an additional 25% on eligible travel-related purchases.

• Flexible travel redemptions: Points can be used for any airline, any flight, and any time, without blackout periods or seat restrictions.

• Comprehensive insurance coverage: Includes mobile device insurance up to $1,500, trip cancellation and interruption insurance, and emergency medical coverage.

• Exclusive Visa Infinite benefits: Access to luxury perks such as first-in-line for exclusive events, hotel and dining benefits.

• Easy online travel booking: Use RBC’s online tool to book travel rewards instantly.

Standout advantage

One standout advantage of the RBC Avion Visa Infinite is the flexibility it offers in redeeming travel points. Unlike many other travel credit cards, the RBC Avion Visa Infinite imposes no blackout periods or seat restrictions. This means cardholders can book flights during peak seasons and holidays without worrying about availability constraints, making it an exceptional choice for those who value convenience and flexibility in their travel plans.

Disadvantages

• Annual fee: The $120 annual fee might be a deterrent for some potential cardholders.

• High purchase and cash advance rates: The card carries a purchase rate of 20.99% and a cash advance rate of 22.99%.

• Income requirements: A minimum personal income of $60,000 or household income of $100,000 is required to qualify.

A standout disadvantage

A notable disadvantage of the RBC Avion Visa Infinite is its relatively high annual income requirement. With a minimum personal income threshold of $60,000 or a household income of $100,000, the card is not accessible to everyone. This high-income requirement can be a significant barrier for many potential applicants, particularly those who are early in their careers or have lower household incomes.

Who can apply for this card?

To apply for the RBC Avion Visa Infinite, applicants must meet several prerequisites. Firstly, there is an age requirement; applicants must be at least the age of majority in their province or territory of residence. Additionally, the card requires a minimum personal income of $60,000 or a minimum household income of $100,000, ensuring that the card is geared towards individuals with substantial financial stability.

How to apply for the RBC Avion Visa Infinite Card

For the website

To apply for the RBC Avion Visa Infinite card via the RBC website, start by visiting the official RBC credit cards page. Navigate to the section featuring the RBC Avion Visa Infinite card and click on the “Apply Now” button. You will be directed to an online application form that requires you to provide personal information, including your name, address, and contact details.

Additionally, you’ll need to enter financial information, such as your income and employment details. Ensure that all the information is accurate and complete to avoid delays in processing. Once you have filled out the form, review the terms and conditions before submitting your application. RBC typically provides a response within 60 seconds, informing you whether your application has been approved, declined, or requires further review.

Through the app

Applying for the RBC Avion Visa Infinite card through the RBC Mobile app is a convenient option for those who prefer using their smartphones. First, download the RBC Mobile app from the App Store or Google Play Store if you haven’t already. 

Open the app and sign in with your RBC online banking credentials. If you don’t have an account, you will need to create one. Once logged in, navigate to the “Products” section and select “Credit Cards.” Find the RBC Avion Visa Infinite card and tap on “Apply Now.”

The app will guide you through the application process, prompting you to provide the necessary personal and financial information. After completing the form, review the application to ensure all details are correct before submitting. The app offers a secure and quick way to apply, with instant application status updates.

At the branch

For those who prefer a face-to-face interaction, applying for the RBC Avion Visa Infinite card at an RBC branch is an excellent option. Visit your nearest RBC branch during business hours and speak with a banking representative. They will provide you with an application form and assist you in filling it out.

You will need to bring identification documents, such as a driver’s license or passport, and proof of income, such as pay stubs or a letter from your employer. The representative will also answer any questions you may have about the card and its features. Once your application is complete, the representative will submit it on your behalf. You will typically receive a response within a few days, depending on the thoroughness of the application review process.